Overseas education and scholarships no longer remain mere dreams for ambitious students now. But what happens to you, when you need urgent medical attention in foreign shores? You will need the medical insurance for international students, of course!
This insurance policy conditionally defrays all medical expenditures that a student might incur while studying overseas. A student is entitled to financial benefits only if his condition doesn?t violate some overriding exclusionary clauses. A Pre-existing condition, is one which required medical attention in the look back period, which could vary from 6-24 months before the stipulated coverage begins. Pre-existing conditions are not excluded from coverage.
An injury or ailment will not qualify for insurance cover if the related medical document is not provided to the company within 3 months of treatment. This clause judges the necessity and urgency of the treatment. The policy does not extend medical benefits for free treatments, or for treatments that incur exorbitant expenditures. A medical expenditure must be validated and prescribed by a physician to qualify for insurance cover.
To avail of the insurance cover, relevant medical documents must be provided to the insurance company within 3 months of treatment. Treatments which necessitated either an unjustifiably exorbitant expense or no expenditure are not covered by the policy. A medical treatment not prescribed by a practicing physician does not qualify to receive medical insurance for international students coverage.
Injuries received due to conscious violation of legal and political rights are also not covered by international student insurance. So, the insurance policy would not pay for any instance that is deemed willful injury. Injuries sustained in war, while pursuing criminal or terrorist activities are not offered financial insurance cover. The policy also does not extend its medical benefits if the injury/ illness are treated in the student?s native country.
Injuries sustained during war, civil unrest and acts of terrorism are not covered by the international student medical insurance. Expenditures incurred from treating injuries received while indulging in illegal or criminal activities are not defrayed by the policy. Medical treatments needed for drug, narcotic and substance abuse are also not covered by the insurance policy.
The student is required to bear the expenditure incurred for treatments incorporating alternative/ traditional/ experimental medication. The benefits of the insurance policy are also inapplicable to sensory therapeutics like aromatherapy and music therapy. Periodic medical examinations, not related to any particular illness/ ailment, are not covered by the insurance policy.
Regular diagnostic check-ups do not qualify for insurance cover, unless in connection with a disease/ illness. Medical and substance abuse, and alcoholism treatment expenditures are also to be borne by the policyholder. These are some basic clauses that would disqualify any application for insurance cover for international students.
This insurance policy conditionally defrays all medical expenditures that a student might incur while studying overseas. A student is entitled to financial benefits only if his condition doesn?t violate some overriding exclusionary clauses. A Pre-existing condition, is one which required medical attention in the look back period, which could vary from 6-24 months before the stipulated coverage begins. Pre-existing conditions are not excluded from coverage.
An injury or ailment will not qualify for insurance cover if the related medical document is not provided to the company within 3 months of treatment. This clause judges the necessity and urgency of the treatment. The policy does not extend medical benefits for free treatments, or for treatments that incur exorbitant expenditures. A medical expenditure must be validated and prescribed by a physician to qualify for insurance cover.
To avail of the insurance cover, relevant medical documents must be provided to the insurance company within 3 months of treatment. Treatments which necessitated either an unjustifiably exorbitant expense or no expenditure are not covered by the policy. A medical treatment not prescribed by a practicing physician does not qualify to receive medical insurance for international students coverage.
Injuries received due to conscious violation of legal and political rights are also not covered by international student insurance. So, the insurance policy would not pay for any instance that is deemed willful injury. Injuries sustained in war, while pursuing criminal or terrorist activities are not offered financial insurance cover. The policy also does not extend its medical benefits if the injury/ illness are treated in the student?s native country.
Injuries sustained during war, civil unrest and acts of terrorism are not covered by the international student medical insurance. Expenditures incurred from treating injuries received while indulging in illegal or criminal activities are not defrayed by the policy. Medical treatments needed for drug, narcotic and substance abuse are also not covered by the insurance policy.
The student is required to bear the expenditure incurred for treatments incorporating alternative/ traditional/ experimental medication. The benefits of the insurance policy are also inapplicable to sensory therapeutics like aromatherapy and music therapy. Periodic medical examinations, not related to any particular illness/ ailment, are not covered by the insurance policy.
Regular diagnostic check-ups do not qualify for insurance cover, unless in connection with a disease/ illness. Medical and substance abuse, and alcoholism treatment expenditures are also to be borne by the policyholder. These are some basic clauses that would disqualify any application for insurance cover for international students.
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